A Montana home warranty protects major systems and appliances when they break down from normal wear and tear. Instead of paying for repairs out of pocket and finding a local contractor yourself, a home warranty provider will handle that for you in exchange for a monthly premium and a modest service call fee.
The This Old House Reviews Team reviewed the best home warranty companies in the United States. Whether you live in Great Falls or Helena, keep reading to determine which home warranty provider is best for you and your home.
Liberty Home Guard
Liberty Home Guard (LHG) stands out for its responsive customer service team. While many companies offer an online portal and a customer service hotline, LHG takes these offerings one step further by including a live-chat customer service feature on its website. After you enter your contact information, you’ll be connected to a live customer service representative who can process your claims and answer any questions you have.
Pros and Cons
✔ Includes live-chat customer service on its website
✔ Provides a 60-day workmanship guarantee
✔ Offers more than 38 unique add-on options, including pro-series appliances, tv mounting, and window washing
✘ Lacks transparency with service call fee pricing options
✘ Doesn’t allow you to choose your own service provider
Plans and Pricing
Liberty Home Guard offers three plan options: Appliance Guard, Systems Guard, and Total Home Guard. The Appliance Guard protects major appliances, while the Systems Guard covers major systems. The Total Home Guard bundles systems and appliance coverage into one comprehensive protection plan.
Liberty Home Guard offers an impressive array of add-on options: Additional spa, carpet cleaning, casita guest unit, central vacuum, ejector pump, electronics protection, freestanding ice maker, generator, grinder pump, gutter cleaning, in-fridge ice maker, instant hot water dispenser, lawn sprinkler system, lighting fixtures, limited roof leak, pest control, plumbing fixtures, pool and spa, pro-series clothes dryer, pro-series dishwasher, pro-series microwave, pro-series range/oven/cooktop, pro-series refrigerator, pro-series washing machines, re-key services, reverse osmosis water filter system, saltwater pool, second refrigerator, septic system pumping, stand-alone freezer, sump pump, swamp cooler, trash compactor, water dispenser water line, water softener, well pump, window washing/cleaning, and wine cooler/fridge
Liberty Home Guard assigns a service call fee between $65 and $125 to your account based on your plan, location, and add-on options. Plans range from $49 to $60 per month.
Learn more: Liberty Home Guard Review
American Home Shield
American Home Shield (AHS) is another solid Montana home warranty company due to its comprehensive coverage, years of industry experience, and flexible deductibles. AHS provides three home protection plans, plus coverage for unknown preexisting conditions.
Pros and Cons
✔ Provides coverage for rust, corrosion, and sediment damage
✔ Doesn’t require a home inspection before coverage begins
✔ Includes generous coverage limits per covered system and appliance
✘ Provides a limited repair guarantee of 30 days
✘ Doesn’t offer many add-on coverage options
Plans and Pricing
American Home Shield offers three plans—the ShieldSilver, ShieldGold, and ShieldPlatinum. The ShieldSilver covers major appliances, and the ShieldGold includes major appliance and systems coverage. The ShieldPlatinum covers all items in the ShieldGold, plus roof-leak repair, code violations, and more.
AHS also provides coverage for the following optional add-ons: Electronics extended warranty, pool and spa, well pump, septic pump, and guest unit under 750 square feet
You can expect to pay between $29 and $80 per month for American Home Shield coverage. AHS allows you to select from a $75, $100, and $125 service call fee. The higher the service call fee, the lower you monthly premium will be.
Learn more: American Home Shield Review
The Home Service Club
The Home Service Club (HSC) has 11 years of experience and is known for its immediate coverage. HSC provides a variety of add-on coverage options, plus it grants coverage within 10 days of signing up for a plan. Most providers wait 30 days before granting coverage.
Pros and Cons
✔ Provides a 30-day labor guarantee and 90-day parts guarantee
✔ Has one of the shortest waiting periods (10 days) of any home warranty provider
✔ Provides coverage on all items regardless of age, make, or model
✘ Premiums and service fees are on the higher end of the average home warranty cost
✘ There have been some complaints about poor customer service
Plans and Pricing
The Home Service Club offers two plans—Standard Coverage and Comprehensive Coverage—that cost between $46–$61 per month. Though the average HSC customer pays $95 per service call. Its service fees can go as low as $65 and as high as $125, depending on how you sign up for a plan.
The provider also boasts an extensive list of items available for add-on coverage: Roof coverage, jetted bathtub, well pump, sewage ejector pump, pool or spa equipment, additional water heater, water softener, freestanding freezer, additional freezer, additional oven/range/cooktop, spa and spa heater, plumbing sprinkler, freestanding additional refrigerator, additional microwave, refrigerator built-in units with dual compressors, service line, additional dishwasher
Learn more: The Home Service Club Review
Liberty Home Guard, American Home Shield, and The Home Service Club are some of the best home warranty companies for Montana residents. Liberty Home Guard is an excellent choice due to its responsive customer support, straightforward plans, and extensive add-on options. American Home Shield is another option for homeowners who want the reliability of a company that’s been around for decades. Before buying a home warranty, we recommend getting quotes from all three providers to compare pricing and coverage for your home.
Frequently Asked Questions
Our Rating Methodology
The This Old House Reviews Team backs up our home warranty ratings and recommendations with a detailed rating methodology to objectively score each provider. We conduct research by speaking with company representatives, requesting quotes, analyzing sample contracts from each company, and conducting focus groups and consumer surveys. We then score each provider against our review standards for coverage, value, trustworthiness and transparency, availability, and customer service to arrive at a final score out of 100.
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